The Importance of Comprehensive Insurance Coverage

After the Storm

Storm Éowyn: A Devastating Impact on Ireland
As Storm Éowyn tore across Ireland, it left a trail of destruction in its wake. High winds, relentless rain, and severe power outages affected thousands of homes and businesses. Many areas faced days without electricity, disruptions to water supplies, and roads blocked by fallen trees. The aftermath has been nothing short of catastrophic, forcing Ireland's homeowners and business owners to assess the damage and turn to their insurers for support.

A Record-Breaking Week for Insurance Claims
Early reports indicate that insurers and brokers across Ireland are experiencing the highest volume of home insurance claims ever recorded in a single week. Homeowners are grappling with severe structural damage, roof collapses, and flood-related losses. Meanwhile, businesses have suffered significant setbacks, with damage to offices, warehouses, and retail spaces. From destroyed stock to disrupted services, companies across the country are feeling the financial strain of Storm Éowyn’s impact. For many, the storm has tested the resilience of their insurance policies like never before.

The Growing Concern of Underinsurance
As claims continue to pour in, concerns around underinsurance are becoming increasingly pressing. For years, industry experts have warned about the risks of inadequate coverage, but the true consequences are now becoming painfully clear. Many policyholders are discovering that their insurance does not fully cover the cost of repairs or replacements, leaving them with unexpected financial burdens. The reality is stark: being underinsured can mean significant out-of-pocket expenses at the worst possible time.

What Did Your Insurance Broker Do for You?
A critical questions now emerge: Was your insurance policy truly protecting you before, during, and after the storm?

  • Before the Storm: Was your property properly assessed? Did your insurancer company tailor a policy that offered comprehensive coverage, or was your policy chosen solely based on price, leaving gaps in protection?

  • During the Storm: Did your insurer provide timely advice, emergency contact numbers, and support options to guide you through the crisis? Were communication channels open and accessible?

  • After the Storm: How quickly did your insurance company begin processing your claim? Were they transparent, efficient, and proactive in their response? Did they maintain communication through their website and digital platforms to keep you informed?

The level of service provided by your insurer is never more evident than during times of crisis. A well-structured policy and a responsive Insurance broker can make the difference between a smooth recovery and a prolonged financial struggle. 

At Dolmen, we place the highest priority on safeguarding the people, homes, and businesses we insure. In the week leading up to the storm, our home insurance team provided daily insights on how clients could protect their properties and businesses, offering practical advice such as tidying gardens and securing stock.

During the storm, we maintained open communication with our customers, providing regular updates, a transparent claims process, step-by-step guidance on making a claim, and essential contact details all aimed at minimising stress.

As a proudly Irish-owned and operated company, our staff are part of the same communities we serve, and we genuinely care about our clients. Unlike many insurers, we do not operate a call center. While our phone lines were busy this week, our dedicated team worked tirelessly to address every client’s concerns personally.

Our proactive response after the storm through digital channels, offering clear advice, contact numbers, and transparent messaging aimed to help alleviate some of our customers’ stress during this challenging time. That’s what an insurance company should do, protect its clients before, during, and after the storm.

Dolmen Insurance: Committed to Protecting You
As an Irish company, Dolmen Insurance is deeply committed to supporting Irish homeowners and businesses. Our responsibility goes beyond just offering policies; we provide tailored insurance solutions that ensure real protection when you need it most. While price is always a consideration, compromising coverage to save a few euros can lead to significant losses in the long run.

With access to multiple insurers, our home and commercial business team can craft policies that offer exceptional value without compromising coverage. If Storm Éowyn has taught us anything, it is the importance of having an insurance provider who is proactive, reliable, and dedicated to your peace of mind. If you're unsure whether your policy truly has you covered, now is the time to reassess and ensure you're protected against future storms.

Need expert insurance advice? Contact Dolmen Insurance today and let us help you secure the coverage you deserve.